$13.0M
+$13.0M this year1 filing since 2026 · latest SAFE filed
PatientFi is a healthcare fintech that provides point-of-care financing for elective, cash-pay medical procedures. It partners with aesthetic, plastic surgery, fertility, dental, dermatology, hair restoration and audiology practices, which offer patients monthly payment plans instead of paying the full cost up front; the practice is paid in full at the time of treatment. The company underwrites with a soft credit pull and looks beyond credit scores, approving amounts up to $60,000 with 0% interest options. Founded in 2017 by CEO Todd Watts and headquartered in Irvine, California.
What sets it apart
Underwriting purpose-built for cash-pay elective care rather than a general medical credit card: a 60-second application with instant decisions, soft credit checks only, and approval rates and amounts the company markets as the highest in the category against CareCredit and Cherry.
A lending platform embedded in the practice's checkout flow that lets patients apply for and receive instant approval on monthly payment plans for elective procedures, while the provider receives payment in full when the treatment is rendered.
